FDIC Cert #10317 · Rutledge, Tennessee · Est. 1919

Citizens Bank and Trust Company of Grainger County - FDIC Bank Health Profile

A community-scale look at Citizens Bank and Trust Company of Grainger County's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$273M
Total assets
A
Health grade · Excellent
1.13%
Return on assets
14.3%
Tier 1 capital

Data updated July 2026

The verdict

Citizens Bank and Trust Company of Grainger County earns a PlainBankData health grade of A (83/100), with well-capitalized at 14.33% Tier 1, profitable at 1.13% ROA, 62% efficiency ratio.

#2,632
largest of 4,313 FDIC banks by assets
39th
percentile by asset size, nationally
14.33%
Tier 1 ratio - above the 10% well-capitalized line
52nd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 10317 · TN A · 83/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (83/100)
  • MID-PACK #1657/4307
  • PHOTO-FINISH Commercial State Bank · TX
  • TIER1-WELL 14.3% Tier 1
  • TEXAS-CLEAN 1.8% Texas
  • ROA-PAR 1.13% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Tennessee: Commercial State Bank, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Citizens Bank and Trust Company of Gr…

Lowest and highest poles plus nearest scored peers outside Tennessee, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens and Farmers… · VA ·…83/100Citizens Bank and Tr… · TN ·…83/100Commercial State Bank · TX ·…83/100Oostburg State Bank · WI · n…83/100The Citizens Bank Co… · OH ·…83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens Bank and Trust Company of Gr… · July 2026

What Citizens Bank and Trust Company of Gr…'s Call Report plate shows

Citizens Bank and Trust Company of Grainger County (FDIC Cert #10317) carries a PlainBankData health grade of A at 83/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,657 of 4,307. Tier 1 capital prints at 14.33%, clearing the 10% well-capitalized line. The Texas Ratio is 1.80%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.13%. Balance-sheet scale is $273M, 2,632nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Commercial State Bank (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Citizens Bank and Trust Company of Gr…

7 FAILURE resolutions in Tennessee since 2000 (6 since 2008)

Citizens Bank and Trust Company of Grainger County's home state sits in the middle band of post-2000 FAILURE counts (7; 6 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Citizens Bank and Trust Company of Grainger County remains an active FDIC-insured reporter.

  • TRUST COMPANY BANK MEMPHIS, TN 2016 → THE BANK OF FAYETTE COUNTY
  • COMMUNITY SOUTH BANK PARSONS, TN 2013 → CB&S BANK, INC.
  • MOUNTAIN NATIONAL BANK SEVIERVILLE, TN 2013 → FIRST TENNESSEE BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Tennessee banks.

How Citizens Bank and Trust Company of Grainger County's 83/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10083/100
Citizens Bank and Trust Company of Grainger County's composite health score
Tier 1 Capital Ratio (14.33%) 35/40
Return on Assets (ROA) (1.13%) 20/25
Texas Ratio (1.80%) 20/20
Efficiency Ratio (62.05%) 8/15

83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$273M

Total balance-sheet footings

Total Deposits

$242M

Customer-funded liabilities

Net Loans

$112M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.93% 14.33% 15.73%
Basel III capital ratios - Citizens Bank and Trust Company of Grainger County

Where Citizens Bank and Trust Company of Grainger County ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Bank and Trust Company of Grainger County's score of 83/100 falls in the highlighted band.

Citizens Bank and Trust Company of Grainger County: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

83 Top 38% higher than 62% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Citizens Bank and Trust Company of Gr… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Citizens Bank and Trust Company of Grainger County's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens Bank and Trust Company of Grainger County's $273M falls in the highlighted band.

Safety ratios for Citizens Bank and Trust Company of Gr…

Tier 1 capital ratio
Well-capitalized 10%

14.33% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.33%
Texas Ratio
1.80%
Equity Capital
$29M

What these ratios mean →

Earnings posture at Citizens Bank and Trust Company of Gr…

Return on Assets (ROA)
52nd percentile nationally
1.13%
Return on Equity (ROE)
11.51%
Efficiency Ratio
62.05%

What these mean →

Income & expense at Citizens Bank and Trust Company of Gr…

$11M
Interest Income
$1M
Non-Interest Income
$6M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Bank and Trust Company of Grainger County reports a Texas Ratio of 1.80% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.80% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Citizens Bank and Trust Company of Grainger County on FDIC BankFind →

Top banks in Tennessee by total assets

Largest banks headquartered in Tennessee
  1. 1
    First Horizon Bank $83.6B

    Memphis, TN · Grade B

  2. 2
    Pinnacle Bank $57.6B

    Nashville, TN · Grade A

  3. 3
    FirstBank $16.3B

    Nashville, TN · Grade B

  4. 4
    Wilson Bank and Trust $5.9B

    Lebanon, TN · Grade A

  5. 5
    SmartBank $5.9B

    Pigeon Forge, TN · Grade B

Top 5 banks in Tennessee ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($273M here), outside Tennessee so the neighborhood is not state containment.

Global Bank $273M · NY 22nd State Banking Company $273M · AL FNB Bank $273M · KS The First National Bank of Dennison $273M · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Bank and Trust Company of Grainger County (FDIC Cert #10317) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Citizens Bank and Trust Company of Grainger County Call Report profile · FDIC Failed Bank List · Tennessee FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Tennessee

All Tennessee banks →
BankAssetsGradeROA
First Horizon BankMemphis $83.6B B 1.35%
Pinnacle BankNashville $57.6B A 1.25%
FirstBankNashville $16.3B B 0.89%
Wilson Bank and TrustLebanon $5.9B A 1.38%
SmartBankPigeon Forge $5.9B B 1.00%
SouthEast BankFarragut $3.5B C 0.68%
Home Federal Bank of TennesseeKnoxville $2.7B C 0.21%
Builtwell BankChattanooga $2.3B A 2.07%